The ASB KiwiSaver Scheme ranked first for 3-year returns in Conservative and Moderate fund categories (Morningstar, March 2026). Plus, our fees are at least 33% below the industry average, and we don't charge administration or performance fees, so more of your money stays invested.*
What's a performance fee? Some providers charge an extra fee when your fund performs well. We don't. We believe top returns should benefit you, not cost you more.
#1 KiwiSaver returns
Awarded KiwiSaver Fund Manager of the Year
ASB was awarded KiwiSaver Fund Manager of the Year at the 2026 Morningstar Awards for Investing Excellence**.
This recognition reflects our disciplined long-term approach and strong outcomes for nearly half a million ASB KiwiSaver Scheme members.
When we win, our customers win too.
KiwiSaver calculator
Our KiwiSaver calculator and advice tool shows you how changes to your fund choice and contributions could grow your first home or retirement savings. Plus, it gives you personalised advice to help you choose the best fund for you.
Don't have an ASB login yet? Try our simple calculator.
Simple tools and smart advice
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Help choosing a KiwiSaver fund
Not sure which fund is best for you? Our guided tool helps you pick a fund that fits your goals, timeframe, and comfort with risk.
Help me choose
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Personalised KiwiSaver advice
Talk to a KiwiSaver specialist. It’s free and takes around 15 minutes.
Get KiwiSaver advice
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KiwiSaver FAQs
Get quick answers to common questions - from getting started to making the most of your KiwiSaver.
KiwiSaver FAQs
Bringing you insights and expertise
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Investor Hub
Get the latest market commentary, expert insights, and ASB Investment Podcast episodes, all in one place. Visit the Investor Hub. -
ASB and BlackRock
We partner with BlackRock, the world's largest investment management firm, to provide better investment outcomes. Learn more about our partnership.
Join or switch online in minutes
It only takes 5 minutes to join if you're over 18 and a New Zealand citizen or permanent resident. If you're not already an ASB customer, you'll need your IRD number and your NZ passport or driver licence.
Want to enrol someone under the age of 18? Call 0800 272 738 or visit your local ASB branch.
Ways to use your KiwiSaver savings
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First home
Looking to buy your first home? You might be able to withdraw some of your KiwiSaver savings to help. Learn more about using KiwiSaver to buy your first home. -
Retirement
You can access your KiwiSaver retirement savings when you turn 65 or choose to keep investing - it's up to you. Learn more about KiwiSaver at retirement. -
Financial hardship
Life can throw you curveballs. In some cases, you may be able to access your KiwiSaver savings early due to significant financial hardship. Learn more about KiwiSaver hardship withdrawal eligibility and application steps.
Contact us
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Call us
Talk to our specialist KiwiSaver team.
0800 ASB RETIRE (0800 272 738)
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Visit a branch
Visit us at an ASB branch near you.
Find a branch
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Ask a question
Fill out our online form and we'll get back to you.
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A Product Disclosure Statement for the ASB KiwiSaver Scheme has been lodged with the Registrar of Financial Service Providers. It is available from this website, or you can obtain a copy by emailing retire@asb.co.nz.
BlackRock Investment Management (Australia) Limited is a subsidiary of BlackRock, Inc.
Interests in the ASB KiwiSaver Scheme (Scheme) are issued by ASB Group Investments Limited, a wholly owned subsidiary of ASB Bank Limited (ASB). ASB provides Scheme administration and distribution services. No person guarantees interests in the Scheme. Interests in the Scheme are not deposits or other liabilities of ASB. They are subject to investment risk, including possible loss of income and principal invested. Fees may change. For more information see the ASB KiwiSaver Scheme Product Disclosure Statement available from this website and the register of offers of financial products at www.disclose-register.companiesoffice.govt.nz (search for ASB KiwiSaver Scheme).
*Past performance does not guarantee or indicate future performance. Returns may vary over a fund’s minimum investment timeframe and longer. Morningstar KiwiSaver Survey (31 March 2026). Morningstar ranked the ASB fund 1st out of 22 funds in the Morningstar KiwiSaver Survey March Quarter 2026 within the Multisector Moderate category for the 3 years to 31 March 2026. Morningstar ranked the ASB fund 1st out of 18 funds in the Morningstar KiwiSaver Survey March Quarter 2026 within the Multisector Conservative category for the 3 years to 31 March 2026. Fees for each ASB KiwiSaver Scheme fund are at least 33% lower than the industry average (Sorted Smart Investor, 6 November 2025, based on a $30,000 balance). For more information, see our KiwiSaver returns page.
© 2026 Morningstar All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its affiliates or content providers; (2) may not be copied, adapted or distributed; (3) is not warranted to be accurate, complete or timely; and (4) does not constitute advice of any kind, whether investment, tax, legal or otherwise and 5) has been prepared for New Zealand wholesale clients of Morningstar Research Ltd, subsidiary of Morningstar, Inc and is not intended for New Zealand retail clients. Neither Morningstar nor its content providers are responsible for any damages arising from the use and distribution of this information. Past performance is no guarantee of future results.
**Morningstar Awards 2026 © Morningstar, Inc. All Rights Reserved. ASB is awarded Fund Manager of the Year, KiwiSaver category, New Zealand.